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Are you feeling lucky? The two schools of retirement income, part two by Darrow Kirkpatrick of

can I retire yet.com the most important

distinction risk management the financial industry whether insurance agents or investment

advisors would like you to believe the retirement income debate comes down to security

safety first versus upside upside, probability-based.

You're asked to choose between playing it safe or maximizing your retirement lifestyle.

In fact, framing the debate that way is a distraction.

Michael Kitches points out, quote,

the real distinction is whether market and longevity risk is transferred or retained,

and if retained, how those risks are managed or avoided, end quote.

In other words, the real difference isn't between playing it safe and gambling.

...